Credit Cards by Issuers

Credit Cards for Good Credit

These are some of the most popular credit cards from our partners. We've outlined some key features
along with what to like and what to look out for. You can also search all credit cards on Credit Karma for more options.

New to Credit

For consumers with limited credit histories, these are some of the most popular credit cards from our credit card partners. If you have a limited credit history, you may have fewer options. One of the cards recommended below could help you start building a positive credit history.

Cards for Poor Credit (549 or Lower)

With poor credit, your options for credit cards are somewhat limited. Most companies won't provide a credit line without a deposit and virtually all credit cards are going to charge monthly fees. However, if used responsibly, these cards may be the best way to start establishing or rebuilding your credit. Below are our favorite cards for poor credit offered by our credit card partners.

Cards for Fair Credit (550-639)

Fair credit consumers are on the fence with most credit card issuers. Approvals tend to be based on your credit score and other factors such as income and credit card debt. If approved, most cards come with a small annual fee and a low credit limit. However small the credit limit, this is a great option if you have fair credit and can help you continue to improve your credit score. Below are our favorite cards for fair credit offered by our credit card partners.

Cards for Good Credit (640-719)

With good credit, there are more credit card options available and it's important to comparison shop. You'll discover a wide range of APRs, benefits and fees, so make sure to do your research before applying. Start by checking out our favorite credit cards for good credit offered by our credit card partners.

Cards for Excellent Credit (720 or Higher)

With excellent credit, you can be a bit more selective when it comes to shopping for a credit card. It's important to choose a card based on how you plan to use it in order to save the most money or earn the most rewards. Below are our favorite credit cards for excellent credit offered by our credit card partners.

Pros & Cons

Our Take

The Capital One® Secured MasterCard® is a good option for people with little or no credit history who are looking to build their credit.

What to Like

This Capital One® Secured MasterCard® has no set up or processing fees. Capital One® reports to all three major credit bureaus so you can take steps to build your credit history. While this card does require an initial security deposit, Capital One® may increase your credit limit without any additional deposits if you use your credit responsibly.

Look Out For

Secured credit cards are great for building credit, but they typically come with annual fees and a required security deposit--and without rewards. It’s important to use your credit responsibly in order to build toward a card with more attractive perks.

Pros & Cons

No application fees

Rates may vary

Our Take

Need a credit card, but don’t know which card to apply for? The Capital One® Card Finder Tool is a great way to find a credit card that matches your credit profile. By following three easy steps, you can see if you pre-qualify for a card without affecting your credit score.

If approved, you could enjoy all of the benefits associated with Capital One’s card services. Typical benefits include 24/7 account access, $0 fraud liability and the ability to monitor your spending with free email and text message alerts.

Pros & Cons

Our Take

The Capital One® Secured MasterCard® is a good option for people with little or no credit history who are looking to build their credit.

What to Like

This Capital One® Secured MasterCard® has no set up or processing fees. Capital One® reports to all three major credit bureaus so you can take steps to build your credit history. While this card does require an initial security deposit, Capital One® may increase your credit limit without any additional deposits if you use your credit responsibly.

Look Out For

Secured credit cards are great for building credit, but they typically come with annual fees and a required security deposit--and without rewards. It’s important to use your credit responsibly in order to build toward a card with more attractive perks.

Get a result in as little as 60 seconds upon completion of the online application

Online Customer Center available 24 x 7

Issued by Mid America Bank & Trust Company, Member: FDIC

Pros & Cons

Reports to all three major credit bureaus

Limited credit histories may qualify

No security deposit required

Annual, processing and monthly servicing fees

High APR

Our Take

The First Access VISA® Credit Card is a solid option for people looking to build or rebuild their credit scores.

What to Like

Since the First Access VISA® Credit Card reports monthly to all three major credit bureaus, you can use this card to start building your credit with on-time payments and other responsible use. The card is geared toward those looking to build credit, so people with limited credit histories may qualify. Finally, the card is unsecured, meaning you won’t have to pay a deposit to get access to your credit.

Look Out For

There are a few notable fees to contend with here. There’s an $89 processing fee and a $75 annual fee in your first year, and then a $48 annual fee and a $6.25 monthly servicing fee thereafter. At 29.99%, this card also comes with a high APR on purchases and cash advances.

No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn

Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016

0% intro APR on purchases until April 2016; 22.9% variable APR after that

Balance transfers also have a 0% intro APR until April 2016

Get access to a higher credit line after making your first 5 monthly payments on time

Fraud coverage if your card is ever lost or stolen

Pros & Cons

0% intro APR on purchases and balance transfers until April 2016

Annual fee

Our Take

The Capital One® QuicksilverOne® Cash Rewards Credit Card is a great choice for people with fair to good credit who are looking for a credit card with a straightforward cash back rewards program.

What to Like

Capital One® QuicksilverOne® Cash Rewards offers 1.5% cash back on all purchases. This card also offers a 0% intro APR on purchases and balance transfers until April 2016, which may help you save money and eat away at existing credit card debt.

Look Out For

This card comes with an annual fee, so it’s important to weigh that against the cash back benefits. Also, just like with all introductory APRs, be sure to note when that 0% period is ending and those higher interest rates kick in.

Get access to a higher credit line after making your first 5 monthly payments on time

Fraud coverage if your card is lost or stolen

Use online banking to access your account, even from your smartphone with our mobile app

Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you

Get access to your account 24 hours a day, 7 days a week

Help strengthen your credit for the future with responsible card use

Pros & Cons

$0 annual fee

No transfer fee

High interest rate

Our Take

The Capital One® Platinum Credit Card is a good choice for people looking to establish or rebuild their credit.

What to Like

Cardholders pay no annual fee. Credit lines start small, but can increase over time with reliable payments. The Capital One® Platinum Credit Card also offers $0 fraud liability if your card is lost or stolen, and there’s no balance transfer fee.

Look Out For

Like a lot of cards geared toward establishing or building credit, this card has a relatively high interest rate. You could face high interest costs if you don’t pay off your balance in full each month.

No annual fee and rewards never expire as long as your account is open

Pros & Cons

$100 cash back when you make $500 in purchases in first 3 months

No annual fee

Requires good credit

Balance transfer and foreign transaction fees

Our Take

With great rewards and more, Chase Freedom® is a well-rounded credit card for consumers with good to excellent credit. It’s also one of the most popular credit cards on Credit Karma.

What to Like

Chase Freedom®’s cash back program includes 1% cash back on every purchase, as well as 5% cash back in rotating bonus categories like gas or groceries. Cardholders can also get a $100 cash back bonus after making $500 in purchases in the first three months. The Chase Freedom® offers a 0% introductory APR on both purchases and balance transfers for the first 15 months.

Look Out For

This card features a 3% foreign transaction fee, a 3% balance transfer fee and a high penalty APR that can be triggered by missed or late payments. It's important to stay within your budget while aiming for that $100 cash back bonus.

Earn 10,000 Membership Reward® points after you use your new Card to make $1,000 in purchases within the first 3 months.

Earn 20% more points: Make 20 or more purchases with your Card in a billing period and get 20% extra points on those purchases less returns and credits. Terms and limitations apply.

2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.

You can use Membership Rewards® Pay with Points to pay for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.

No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.

Terms and limitations apply.

Visit our credit card partner’s site in order to learn more and securely apply for The Amex EveryDay® Credit Card from American Express

Pros & Cons

No annual fee

0% intro APR on purchases and balance transfers for 15 months

Requires good to excellent credit

High penalty APR

Our Take

The Amex EveryDaySM Credit Card from American Express has plenty of rewards-earning potential.

What to Like

The Amex EveryDaySM Credit Card from American Express is a great card for accumulating rewards on everyday purchases. Cardholders can get 2x points at U.S. supermarkets, along with a one-time bonus of 10,000 points after spending $1,000 on eligible purchases in the first three months of membership. This card also offers a 0% introductory APR for 15 months on purchases and balance transfers.

Look Out For

This card has a high penalty APR that applies for at least six months after a late payment, so it’s important to stay on-time with your payments.

Get $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive $100 back in the form of a statement credit.

Hassle-free cash back: no enrollment required, the same great reward categories year-round.

Earn Cash Back: 3% U.S. supermarkets up to $6,000 per year in purchases, 2% U.S. gas stations & select U.S. dept stores, 1% other purchases. Terms and limitations apply.

Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

No annual fee. Plus, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.

Terms and restrictions apply.

Visit our credit card partner’s site in order to learn more and securely apply for the Blue Cash Everyday® Card from American Express

Pros & Cons

No annual fee

0% intro APR on purchases and balance transfers for 15 months

Requires good to excellent credit

High penalty APR

Our Take

The Blue Cash Everyday® Card from American Express is a great card for getting cash back on everyday purchases.

What to Like

The Blue Cash Everyday® Card from American Express offers 3% cash back at U.S. supermarkets, 2% at U.S. gas stations and select U.S. department stores and 1% cash back everywhere else. You can also earn a one-time, $100 bonus after spending $1,000 on eligible purchases in the first three months of membership. The card includes a 0% introductory APR for 15 months on purchases and balance transfers, as well as no annual fees.

Look Out For

This card has a high penalty APR that applies for at least six months after a late payment, so it’s important to stay on-time with your payments.

Pros & Cons

Our Take

Discover it® - Double Cash Back your first year is a good choice for consumers searching for a quality credit card that offers both low interest rates and cash back rewards.

What to Like

Cardholders receive a 0% intro APR for up to 12 months on both purchases and balance transfers and get 5% cash back in revolving categories like travel, gas and more. Discover will also automatically double all the cash back you’ve earned at the end of your first year. Discover it® - Double Cash Back your first year has no annual fee, no overlimit fee, no foreign transaction fee and no late fee for your first late payment.

Look Out For

This card features a 3% balance transfer fee. Revolving rewards categories also mean that you’ll have to pay attention to get the most out of your rewards card.

Helpful Articles

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to
maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved
for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case,
available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for
this product from February 2015 through July 2015. Average and typical approved scores are provided as guidelines
only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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